Insurance USA Group

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Boats (26 feet and under)

Physical Damage

Physical damage coverage will pay to repair or replace your boat if it were damaged or destroyed by fire, theft, lightning, vandalism or windstorm. The boat and outboard motors are covered, as well as personal property located on the boat.

Liability Coverage

Liability coverage will protect you against damage to property or injury to someone other than you or a family member, when you are the cause of the damage or injury.

Yachts (over 26 feet)

Yacht insurance generally covers any watercraft that is over 26 feet. Yacht insurance has two main types of coverage: hull coverage, and property and indemnity coverage.

Hull Coverage

If your yacht is covered for damaged due to a fire, theft, windstorm, lightning or vandalism hull coverage will pay to repair it. Hull coverage generally will cover the whole yacht, sails, furniture, outboard motors, and anything used to operate the yacht.  Dinghies and trailers may need to be covered under separate policies.

Protection and Indemnity Coverage

Protection and indemnity coverage is the same as liability for boat insurance, and pays for damage to property or injury to someone other than yourself or a family member.

Navigational Warranties

A navigational warranty restricts coverage to a yacht in a certain area.  The region covered can be the entire East or West Coast, or be as small as a Bay. If you plan a trip outside of your navigational warranty area, a trip endorsement may be purchased for that trip.

To Find Out More

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